Does Homeowners Insurance Cover Water Damage and Roof Leaks?

Whether you’re dealing with a slow leak in the basement or a steady drip from a hole in the roof, water can wreak havoc on your home—and your bank account. Once the water recedes, one of the first questions you’ll have is whether your homeowners insurance covers water damage and roof leaks. Well, we have you covered with the answers below.

Is water damage covered?

In a word, yes! A standard homeowners insurance policy will cover water damage and roof leaks unless they’re the result of gross negligence on your part. Even if the roof leak is caused by a windstorm or a tree crashing through the shingles, you’re covered.

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